Questions tagged [credit-report]

A credit report provides an individual's credit history, including their credit score. This tag is to be used for questions related to overall credit report, of which credit score is just one part. Related tags are credit-history.

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Best possible outcome from paying a charged-off account

I had an auto loan from 2011. All but about 1,800 USD was paid off. Various financial challenges and a dose of me sticking my head firmly in the sand led to the account being charged off. I handled ...
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1 vote
0 answers
46 views

Name variation on credit report in the UK, reason for concern?

I have three surnames, so my full legal name is generally written here (HMRC, DVLA, passport, pay slips) as: Forename Surname#1 Surname#2 Surname#3 I pulled my credit report and my current account ...
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1 vote
0 answers
161 views

Single late mortgage payment is hurting me a lot

I'm from the US and I've recently applied for HELOC refinancing at a much lower rate (-2.00%), but underwriter has decided to deny the application due to a single late mortgage payment made in Jan ...
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1 vote
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41 views

What information is sent when a company requests my credit report?

As I understand it, there are a few types of credit inquiries Hard pull (applying for new credit, loans, etc.) Soft pull ("account review" inquiries, FICO score services, etc.) Promotional inquiry (...
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1 vote
0 answers
118 views

How to stop old item on my credit report from "refreshing"?

I found out here that bad items on your credit report are supposed to drop off after seven years. I have an unpaid credit card from 5 or 6 years ago that should drop off soon but apparently it was ...
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0 votes
0 answers
69 views

How long will 3 month late stay on the credit report?

In US/Canada (and many other countries), R9 is a very bad mark that will stay on the credit report for 7 years. 2-month/3-month late in payment is less severe than R9. I wonder how long 2-month/3-...
0 votes
2 answers
296 views

Is there any catch in life time free credit cards against fixed deposits?

Many banks have offerred me life time free credit cards because of my good credit score. However, there are some banks which did not offer any life time free credit card. However they offer credit ...
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